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Mercury is the cheapest car insurance company in Illinois overall. But for certain types of drivers, Progressive, American Family and Country Financial might have lower rates.

If you’re looking to balance cost with service quality, MoneyGeek identified the best car insurance companies in Illinois.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Illinois (October 2023)

In Illinois, the cheapest auto insurance companies for a minimum coverage policy are:

  • Mercury: $248 per year
  • Auto-Owners: $337 per year

The most expensive minimum coverage car insurance in Illinois is offered by Progressive at roughly $1,080 per year, based on the companies MoneyGeek assessed. Car insurance that meets Illinois’ minimum car insurance requirements covers bodily injury liability, property damage liability and uninsured or underinsured motorist insurance.

Company
Annual Premium
Monthly Premium

Mercury

$248

$21

Mercury

$259

$22

Auto-Owners Insurance Co

$337

$28

Country Financial

$343

$29

Country Financial

$345

$29

Auto-Owners Insurance Co

$352

$29

Mercury

$362

$30

GEICO

$363

$30

Westfield

$368

$31

GEICO

$386

$32

Westfield

$403

$34

American Family

$405

$34

American Family

$407

$34

Westfield

$428

$36

Auto-Owners Insurance Co

$428

$36

Erie

$431

$36

Erie

$432

$36

American Family

$441

$37

Travelers

$451

$38

GEICO

$451

$38

Country Financial

$468

$39

Travelers

$482

$40

State Farm

$489

$41

Grange Insurance

$502

$42

Travelers

$509

$42

AAA

$511

$43

State Farm

$520

$43

Hanover

$522

$43

Hanover

$531

$44

Erie

$548

$46

Allstate

$550

$46

Grange Insurance

$560

$47

Allstate

$568

$47

AAA

$605

$50

State Farm

$616

$51

Grange Insurance

$643

$54

AAA

$669

$56

Hanover

$672

$56

American Family

$677

$56

Allstate

$693

$58

American Family

$696

$58

American Family

$746

$62

Auto-Owners Insurance Co

$761

$63

Auto-Owners Insurance Co

$789

$66

Country Financial

$830

$69

GEICO

$839

$70

GEICO

$866

$72

Travelers

$879

$73

Travelers

$887

$74

Country Financial

$899

$75

AAA

$968

$81

Mercury

$972

$81

Westfield

$991

$83

Westfield

$1,027

$86

Mercury

$1,030

$86

Travelers

$1,040

$87

Auto-Owners Insurance Co

$1,044

$87

Erie

$1,065

$89

Erie

$1,066

$89

Progressive

$1,080

$90

Progressive

$1,113

$93

GEICO

$1,113

$93

Grange Insurance

$1,119

$93

Allstate

$1,142

$95

Grange Insurance

$1,151

$96

Country Financial

$1,154

$96

AAA

$1,155

$96

Progressive

$1,160

$97

Allstate

$1,202

$100

State Farm

$1,230

$102

AAA

$1,295

$108

Westfield

$1,307

$109

Erie

$1,357

$113

State Farm

$1,360

$113

Grange Insurance

$1,413

$118

Allstate

$1,429

$119

Mercury

$1,456

$121

Hanover

$1,681

$140

State Farm

$1,691

$141

Hanover

$1,816

$151

Progressive

$1,975

$165

Progressive

$1,981

$165

Hanover

$2,356

$196

Progressive

$2,360

$197

Car insurance with minimum coverage only pays for the cost of damages or injuries you inflict on others in an accident. If you want protection that extends to your own vehicle, consider buying a full coverage policy that includes comprehensive and collision insurance.

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Cheapest Full Coverage Car Insurance in Illinois (October 2023)

Our study determined that the cheapest full coverage car insurance companies in Illinois are:

  • American Family: $696 per year
  • Auto-Owners: $789 per year

The most expensive full coverage policy in Illinois costs roughly $1,975 per year from Progressive, based on the companies MoneyGeek assessed.

Adding comprehensive and collision insurance to your auto policy will make your premium more expensive. For example, American Family’s full coverage car insurance costs an average of $448 more than Mercury's policy with minimum coverage. A full coverage policy will financially protect you and your vehicle against damages caused by on-road accidents (hitting another car or object) and off-road incidents (vandalism, theft, fire and weather hazards).

Company
Annual Premium
Monthly Premium

Mercury

$248

$21

Mercury

$259

$22

Auto-Owners Insurance Co

$337

$28

Country Financial

$343

$29

Country Financial

$345

$29

Auto-Owners Insurance Co

$352

$29

Mercury

$362

$30

GEICO

$363

$30

Westfield

$368

$31

GEICO

$386

$32

Westfield

$403

$34

American Family

$405

$34

American Family

$407

$34

Westfield

$428

$36

Auto-Owners Insurance Co

$428

$36

Erie

$431

$36

Erie

$432

$36

American Family

$441

$37

Travelers

$451

$38

GEICO

$451

$38

Country Financial

$468

$39

Travelers

$482

$40

State Farm

$489

$41

Grange Insurance

$502

$42

Travelers

$509

$42

AAA

$511

$43

State Farm

$520

$43

Hanover

$522

$43

Hanover

$531

$44

Erie

$548

$46

Allstate

$550

$46

Grange Insurance

$560

$47

Allstate

$568

$47

AAA

$605

$50

State Farm

$616

$51

Grange Insurance

$643

$54

AAA

$669

$56

Hanover

$672

$56

American Family

$677

$56

Allstate

$693

$58

American Family

$696

$58

American Family

$746

$62

Auto-Owners Insurance Co

$761

$63

Auto-Owners Insurance Co

$789

$66

Country Financial

$830

$69

GEICO

$839

$70

GEICO

$866

$72

Travelers

$879

$73

Travelers

$887

$74

Country Financial

$899

$75

AAA

$968

$81

Mercury

$972

$81

Westfield

$991

$83

Westfield

$1,027

$86

Mercury

$1,030

$86

Travelers

$1,040

$87

Auto-Owners Insurance Co

$1,044

$87

Erie

$1,065

$89

Erie

$1,066

$89

Progressive

$1,080

$90

Progressive

$1,113

$93

GEICO

$1,113

$93

Grange Insurance

$1,119

$93

Allstate

$1,142

$95

Grange Insurance

$1,151

$96

Country Financial

$1,154

$96

AAA

$1,155

$96

Progressive

$1,160

$97

Allstate

$1,202

$100

State Farm

$1,230

$102

AAA

$1,295

$108

Westfield

$1,307

$109

Erie

$1,357

$113

State Farm

$1,360

$113

Grange Insurance

$1,413

$118

Allstate

$1,429

$119

Mercury

$1,456

$121

Hanover

$1,681

$140

State Farm

$1,691

$141

Hanover

$1,816

$151

Progressive

$1,975

$165

Progressive

$1,981

$165

Hanover

$2,356

$196

Progressive

$2,360

$197

How much car insurance you need will significantly influence your rates. Our study’s sample full coverage policy has the following liability limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

To reduce your premium, you can lower your liability limits, remove comprehensive and collision insurance or raise your deductible. That said, you risk having insufficient coverage in the event of an accident.

How to Compare Cheap Illinois Car Insurance Quotes Online

You can get quotes online from different car insurance providers, but you have to submit personal information for each one, which can take up to 15 minutes. To compare rates across multiple companies, you need to spend more of your time repeating this process.

Our car insurance calculator can help you get a quick estimate without providing specific personal details. Enter your age, gender and driving record below to find the lowest rates for your profile.

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Mercury

Cheapest Car Insurance in Illinois by Age (October 2023)

Car insurance rates in Illinois are heavily affected by age. On average, Progressive and American Family offer the lowest prices for the different age groups in your family.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Progressive
Cheapest for young adults: American Family
Cheapest for seniors: American Family

Cheapest Car Insurance in Illinois for Teens and Their Families (October 2023)

The two companies providing the cheapest car insurance for teens in Illinois are:

  • Progressive: $2,195 per year for teen boys and $1,906 per year for teen girls
  • Auto-Owners: $2,026 per year for teen boys; Travelers: $2,047 per year for teen girls

GEICO offers the most expensive car insurance in Illinois for teen boys and girls, at an average of $3,217 per year and $2,932 per year, respectively. These rates are for a 16-year-old on a parent’s policy.

Among the teens, 19-year-olds pay the cheapest car insurance premiums because teens' rates decrease as they age. Auto-Owners ($1,609 per year) has the lowest rates for 19-year-old males in Illinois compared to its competitors.

Teens tend to pay less if they are added to a parent’s policy than if they buy separate insurance. And in most cases, it is illegal for a teen under 18 to purchase auto insurance without a parent or guardian to co-sign. In Illinois, 16-year-olds may save around $2,566 per year if they’re on a parent’s policy instead of buying their own policy.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Travelers

$788

$1,021

Travelers

$797

$2,479

Travelers

$820

$1,072

Travelers

$905

$1,173

State Farm

$914

$961

Travelers

$937

$1,213

Travelers

$957

$1,251

Travelers

$975

$3,085

Travelers

$980

$1,424

Travelers

$994

$3,095

Travelers

$1,002

$1,298

Auto-Owners Insurance Co

$1,015

$957

Auto-Owners Insurance Co

$1,033

$970

Travelers

$1,033

$1,350

State Farm

$1,033

$1,086

State Farm

$1,038

$1,092

Auto-Owners Insurance Co

$1,092

$1,029

Auto-Owners Insurance Co

$1,093

$1,027

Progressive

$1,123

$1,009

State Farm

$1,131

$1,190

Travelers

$1,141

$1,681

Travelers

$1,147

$1,499

Travelers

$1,158

$1,682

Auto-Owners Insurance Co

$1,170

$1,099

State Farm

$1,187

$1,440

State Farm

$1,191

$1,253

Auto-Owners Insurance Co

$1,197

$1,432

Allstate

$1,201

$1,700

Allstate

$1,201

$1,700

Auto-Owners Insurance Co

$1,208

$1,139

Progressive

$1,210

$1,533

Progressive

$1,215

$1,035

Allstate

$1,221

$1,306

Allstate

$1,221

$1,306

Travelers

$1,240

$3,924

Auto-Owners Insurance Co

$1,259

$1,183

State Farm

$1,260

$1,325

Allstate

$1,287

$1,377

Allstate

$1,287

$1,377

GEICO

$1,288

$1,303

Progressive

$1,290

$1,666

Auto-Owners Insurance Co

$1,295

$1,268

State Farm

$1,315

$1,383

Progressive

$1,334

$1,198

Auto-Owners Insurance Co

$1,349

$1,271

Travelers

$1,355

$1,969

GEICO

$1,359

$1,106

Allstate

$1,362

$1,457

Allstate

$1,362

$1,457

Travelers

$1,370

$2,017

State Farm

$1,371

$1,663

Progressive

$1,371

$1,168

GEICO

$1,372

$942

Auto-Owners Insurance Co

$1,393

$1,667

GEICO

$1,394

$1,485

Progressive

$1,409

$3,178

GEICO

$1,411

$968

GEICO

$1,418

$1,154

Auto-Owners Insurance Co

$1,421

$1,391

Allstate

$1,442

$2,812

Allstate

$1,442

$2,812

Allstate

$1,447

$1,547

Allstate

$1,447

$1,547

State Farm

$1,450

$1,753

Progressive

$1,458

$1,309

Allstate

$1,472

$2,083

Allstate

$1,472

$2,083

Progressive

$1,478

$1,259

State Farm

$1,493

$1,570

GEICO

$1,508

$1,227

GEICO

$1,528

$1,048

Progressive

$1,541

$1,953

State Farm

$1,552

$1,883

Progressive

$1,561

$3,564

Auto-Owners Insurance Co

$1,562

$1,529

State Farm

$1,574

$2,165

Auto-Owners Insurance Co

$1,609

$1,924

Travelers

$1,638

$2,411

Progressive

$1,642

$1,475

GEICO

$1,651

$1,343

Progressive

$1,654

$3,731

GEICO

$1,657

$3,687

Progressive

$1,673

$1,426

Progressive

$1,693

$2,145

Allstate

$1,699

$2,405

Allstate

$1,699

$2,405

State Farm

$1,710

$2,069

GEICO

$1,715

$1,179

Progressive

$1,732

$2,236

GEICO

$1,736

$1,855

GEICO

$1,746

$1,757

Auto-Owners Insurance Co

$1,791

$2,239

Progressive

$1,802

$4,114

State Farm

$1,804

$2,482

Progressive

$1,883

$2,432

Auto-Owners Insurance Co

$1,888

$1,709

GEICO

$1,903

$4,233

GEICO

$1,925

$3,753

Allstate

$1,929

$3,760

Allstate

$1,929

$3,760

GEICO

$1,938

$2,071

State Farm

$1,964

$2,375

State Farm

$2,006

$2,722

Auto-Owners Insurance Co

$2,012

$2,514

Progressive

$2,026

$4,569

Auto-Owners Insurance Co

$2,038

$1,844

Travelers

$2,047

$6,370

State Farm

$2,059

$2,833

GEICO

$2,076

$2,095

GEICO

$2,172

$4,235

Auto-Owners Insurance Co

$2,186

$1,979

Progressive

$2,195

$5,009

Auto-Owners Insurance Co

$2,236

$2,794

State Farm

$2,299

$3,118

Allstate

$2,499

$4,872

Allstate

$2,499

$4,872

Travelers

$2,617

$8,280

State Farm

$2,625

$3,561

GEICO

$2,932

$6,524

GEICO

$3,217

$6,273

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens due to their higher risk of accident frequency. This rate difference is not as notable when drivers reach their 20s and beyond. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Families in Illinois who want to reduce their insurance premiums may qualify for student discounts. Many companies, including Auto-Owners, Allstate, Progressive and State Farm, offer discounts for both students away from home and those with good academic performance.

Cheapest Car Insurance in Illinois for Young Adults (October 2023)

We discovered that the companies providing the cheapest car insurance in Illinois for drivers in their 20s are:

  • American Family: $746 per year
  • Travelers: $1,040 per year

At an average of $2,360 per year, Progressive charges the most for young adult drivers. In addition, 25-year-old drivers in Illinois pay about $50 more for an American Family policy than a 40-year-old due to younger adults' higher risk of at-fault accidents.

Company
Annual Premium
Monthly Premium

Mercury

$248

$21

Mercury

$259

$22

Auto-Owners Insurance Co

$337

$28

Country Financial

$343

$29

Country Financial

$345

$29

Auto-Owners Insurance Co

$352

$29

Mercury

$362

$30

GEICO

$363

$30

Westfield

$368

$31

GEICO

$386

$32

Westfield

$403

$34

American Family

$405

$34

American Family

$407

$34

Westfield

$428

$36

Auto-Owners Insurance Co

$428

$36

Erie

$431

$36

Erie

$432

$36

American Family

$441

$37

Travelers

$451

$38

GEICO

$451

$38

Country Financial

$468

$39

Travelers

$482

$40

State Farm

$489

$41

Grange Insurance

$502

$42

Travelers

$509

$42

AAA

$511

$43

State Farm

$520

$43

Hanover

$522

$43

Hanover

$531

$44

Erie

$548

$46

Allstate

$550

$46

Grange Insurance

$560

$47

Allstate

$568

$47

AAA

$605

$50

State Farm

$616

$51

Grange Insurance

$643

$54

AAA

$669

$56

Hanover

$672

$56

American Family

$677

$56

Allstate

$693

$58

American Family

$696

$58

American Family

$746

$62

Auto-Owners Insurance Co

$761

$63

Auto-Owners Insurance Co

$789

$66

Country Financial

$830

$69

GEICO

$839

$70

GEICO

$866

$72

Travelers

$879

$73

Travelers

$887

$74

Country Financial

$899

$75

AAA

$968

$81

Mercury

$972

$81

Westfield

$991

$83

Westfield

$1,027

$86

Mercury

$1,030

$86

Travelers

$1,040

$87

Auto-Owners Insurance Co

$1,044

$87

Erie

$1,065

$89

Erie

$1,066

$89

Progressive

$1,080

$90

Progressive

$1,113

$93

GEICO

$1,113

$93

Grange Insurance

$1,119

$93

Allstate

$1,142

$95

Grange Insurance

$1,151

$96

Country Financial

$1,154

$96

AAA

$1,155

$96

Progressive

$1,160

$97

Allstate

$1,202

$100

State Farm

$1,230

$102

AAA

$1,295

$108

Westfield

$1,307

$109

Erie

$1,357

$113

State Farm

$1,360

$113

Grange Insurance

$1,413

$118

Allstate

$1,429

$119

Mercury

$1,456

$121

Hanover

$1,681

$140

State Farm

$1,691

$141

Hanover

$1,816

$151

Progressive

$1,975

$165

Progressive

$1,981

$165

Hanover

$2,356

$196

Progressive

$2,360

$197

Cheapest Car Insurance in Illinois for Seniors (October 2023)

The following companies offer the most affordable car insurance for seniors in Illinois:

  • American Family: $677 per year
  • Auto-Owners: $761 per year

Progressive provides the highest rate for senior drivers that are 65, at roughly $1,981 per year. In Illinois, drivers in their 60s pay about $19 less for insurance coverage from American Family than those in their 40s. However, rates typically increase when drivers reach their 70s and 80s due to an increase in risk factors.

Company
Annual Premium
Monthly Premium

Mercury

$248

$21

Mercury

$259

$22

Auto-Owners Insurance Co

$337

$28

Country Financial

$343

$29

Country Financial

$345

$29

Auto-Owners Insurance Co

$352

$29

Mercury

$362

$30

GEICO

$363

$30

Westfield

$368

$31

GEICO

$386

$32

Westfield

$403

$34

American Family

$405

$34

American Family

$407

$34

Westfield

$428

$36

Auto-Owners Insurance Co

$428

$36

Erie

$431

$36

Erie

$432

$36

American Family

$441

$37

Travelers

$451

$38

GEICO

$451

$38

Country Financial

$468

$39

Travelers

$482

$40

State Farm

$489

$41

Grange Insurance

$502

$42

Travelers

$509

$42

AAA

$511

$43

State Farm

$520

$43

Hanover

$522

$43

Hanover

$531

$44

Erie

$548

$46

Allstate

$550

$46

Grange Insurance

$560

$47

Allstate

$568

$47

AAA

$605

$50

State Farm

$616

$51

Grange Insurance

$643

$54

AAA

$669

$56

Hanover

$672

$56

American Family

$677

$56

Allstate

$693

$58

American Family

$696

$58

American Family

$746

$62

Auto-Owners Insurance Co

$761

$63

Auto-Owners Insurance Co

$789

$66

Country Financial

$830

$69

GEICO

$839

$70

GEICO

$866

$72

Travelers

$879

$73

Travelers

$887

$74

Country Financial

$899

$75

AAA

$968

$81

Mercury

$972

$81

Westfield

$991

$83

Westfield

$1,027

$86

Mercury

$1,030

$86

Travelers

$1,040

$87

Auto-Owners Insurance Co

$1,044

$87

Erie

$1,065

$89

Erie

$1,066

$89

Progressive

$1,080

$90

Progressive

$1,113

$93

GEICO

$1,113

$93

Grange Insurance

$1,119

$93

Allstate

$1,142

$95

Grange Insurance

$1,151

$96

Country Financial

$1,154

$96

AAA

$1,155

$96

Progressive

$1,160

$97

Allstate

$1,202

$100

State Farm

$1,230

$102

AAA

$1,295

$108

Westfield

$1,307

$109

Erie

$1,357

$113

State Farm

$1,360

$113

Grange Insurance

$1,413

$118

Allstate

$1,429

$119

Mercury

$1,456

$121

Hanover

$1,681

$140

State Farm

$1,691

$141

Hanover

$1,816

$151

Progressive

$1,975

$165

Progressive

$1,981

$165

Hanover

$2,356

$196

Progressive

$2,360

$197

Allstate, GEICO and Mercury all provide discounts to senior drivers in Illinois who want to save on premiums. Since various factors besides age are used to calculate rates, comparing multiple providers is the best way to find the cheapest car insurance for older drivers.

Cheapest Car Insurance for Higher Risk Drivers (October 2023)

Our study found that American Family is the cheapest insurance provider for drivers in Illinois with speeding tickets, with at-fault accidents and those with DUIs. American Family is also the cheapest for owners of sports cars, as well as for people with poor credit.

You may take state-approved driving courses to gradually improve your profile and get more affordable insurance options. But, a DUI stays on your driving record for life in Illinois and may significantly impact the availability and cost of your car insurance.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American Family ($835 per year)
Cheapest after an accident: American Family ($817 per year)
Cheapest after a DUI: American Family ($835 per year)
Cheapest for poor credit: American Family ($1,267 per year)
Cheapest for sports cars: American Family ($655 per year)

Cheapest Car Insurance in Illinois After a Ticket

For Illinois drivers with a speeding ticket, the cheapest car insurance companies are:

  • American Family: $835 per year
  • Auto-Owners: $874 per year

Progressive offers the most expensive coverage for drivers with tickets, at approximately $2,591 per year. In Illinois, getting a speeding ticket may increase your car insurance premium by $273 and will generate an annual premium surcharge for at least three years.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$382

$32

Mercury

$383

$32

Auto-Owners Insurance Co

$397

$33

Westfield

$436

$36

Country Financial

$458

$38

GEICO

$459

$38

Mercury

$461

$38

Country Financial

$461

$38

Erie

$471

$39

American Family

$474

$40

Erie

$475

$40

Westfield

$478

$40

American Family

$480

$40

Auto-Owners Insurance Co

$487

$41

Mercury

$499

$42

Westfield

$508

$42

American Family

$515

$43

Hanover

$522

$43

Hanover

$531

$44

GEICO

$533

$44

State Farm

$541

$45

State Farm

$572

$48

GEICO

$576

$48

Erie

$605

$50

Travelers

$612

$51

Country Financial

$630

$53

Travelers

$638

$53

AAA

$655

$55

Hanover

$672

$56

State Farm

$685

$57

AAA

$698

$58

Travelers

$703

$59

Allstate

$752

$63

Allstate

$769

$64

Grange Insurance

$799

$67

American Family

$816

$68

American Family

$835

$70

Auto-Owners Insurance Co

$844

$70

AAA

$862

$72

Grange Insurance

$870

$72

Auto-Owners Insurance Co

$874

$73

American Family

$894

$75

Allstate

$956

$80

Grange Insurance

$999

$83

Country Financial

$1,079

$90

GEICO

$1,137

$95

Auto-Owners Insurance Co

$1,162

$97

Erie

$1,162

$97

Country Financial

$1,168

$97

Erie

$1,175

$98

Westfield

$1,177

$98

AAA

$1,214

$101

Westfield

$1,219

$102

Travelers

$1,233

$103

Progressive

$1,239

$103

AAA

$1,313

$109

Travelers

$1,313

$109

Travelers

$1,337

$111

State Farm

$1,341

$112

GEICO

$1,345

$112

GEICO

$1,355

$113

Progressive

$1,364

$114

Progressive

$1,371

$114

State Farm

$1,475

$123

Erie

$1,501

$125

Allstate

$1,511

$126

Country Financial

$1,516

$126

Westfield

$1,557

$130

Mercury

$1,560

$130

Allstate

$1,571

$131

AAA

$1,631

$136

Mercury

$1,640

$137

Hanover

$1,681

$140

Grange Insurance

$1,739

$145

Grange Insurance

$1,750

$146

Hanover

$1,816

$151

State Farm

$1,845

$154

Allstate

$1,904

$159

Mercury

$1,984

$165

Grange Insurance

$2,132

$178

Hanover

$2,356

$196

Progressive

$2,591

$216

Progressive

$2,716

$226

Progressive

$3,005

$250

Cheapest Car Insurance in Illinois After an Accident

The following insurers provide the cheapest car insurance for Illinois drivers with an at-fault accident:

  • American Family: $817 per year
  • Auto-Owners: $1,004 per year

Progressive offers the most expensive rate at an average of $3,049 per year. Expect to pay roughly $528 more for car insurance in Illinois after an at-fault accident.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$451

$38

American Family

$464

$39

Auto-Owners Insurance Co

$467

$39

American Family

$469

$39

American Family

$503

$42

Mercury

$538

$45

GEICO

$550

$46

Country Financial

$559

$47

Westfield

$577

$48

Auto-Owners Insurance Co

$579

$48

Country Financial

$583

$49

State Farm

$590

$49

Erie

$608

$51

Westfield

$612

$51

Erie

$616

$51

State Farm

$624

$52

Westfield

$637

$53

Travelers

$644

$54

GEICO

$648

$54

Mercury

$671

$56

Travelers

$672

$56

Mercury

$677

$56

GEICO

$717

$60

Travelers

$742

$62

Country Financial

$744

$62

State Farm

$748

$62

AAA

$757

$63

Grange Insurance

$778

$65

Erie

$785

$65

American Family

$798

$67

AAA

$800

$67

American Family

$817

$68

Hanover

$828

$69

Hanover

$833

$69

Grange Insurance

$849

$71

American Family

$876

$73

Grange Insurance

$937

$78

Allstate

$959

$80

Auto-Owners Insurance Co

$972

$81

Allstate

$989

$82

AAA

$993

$83

Auto-Owners Insurance Co

$1,004

$84

Hanover

$1,020

$85

Allstate

$1,227

$102

Country Financial

$1,258

$105

Travelers

$1,283

$107

Country Financial

$1,305

$109

AAA

$1,336

$111

Auto-Owners Insurance Co

$1,345

$112

GEICO

$1,353

$113

Travelers

$1,373

$114

Travelers

$1,392

$116

Westfield

$1,414

$118

AAA

$1,438

$120

Erie

$1,442

$120

State Farm

$1,444

$120

Progressive

$1,445

$120

Westfield

$1,448

$121

Erie

$1,459

$122

State Farm

$1,583

$132

Progressive

$1,591

$133

Progressive

$1,598

$133

GEICO

$1,603

$134

GEICO

$1,645

$137

Grange Insurance

$1,661

$138

Grange Insurance

$1,666

$139

Country Financial

$1,685

$140

Westfield

$1,729

$144

AAA

$1,791

$149

Erie

$1,863

$155

Allstate

$1,911

$159

Grange Insurance

$1,972

$164

Allstate

$1,987

$166

State Farm

$1,989

$166

Mercury

$2,111

$176

Mercury

$2,337

$195

Allstate

$2,420

$202

Mercury

$2,626

$219

Hanover

$2,670

$222

Hanover

$2,798

$233

Progressive

$3,049

$254

Progressive

$3,195

$266

Progressive

$3,511

$293

Hanover

$3,571

$298

mglogo icon
MONEYGEEK EXPERT TIP

Adding accident forgiveness to your auto insurance policy in Illinois may stop your premium from increasing after your first at-fault accident. And you may avoid the annual premium surcharge insurers apply to your policy for a minimum of three years. Multiple companies offer accident forgiveness for an additional cost, and some, like GEICO, award it for free for having a good driving record. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Illinois After a DUI

The least expensive car insurance companies in Illinois for drivers with a DUI are:

  • American Family: $835 per year
  • Country Financial: $1,356 per year

Hanover offers the most expensive rate, at roughly $2,996 per year. Illinois drivers with a DUI on their record tend to pay about $656 more for car insurance than those with a clean record. And at the very minimum, they experience an annual premium surcharge for at least three years.

Company
Annual Premium
Monthly Premium

Mercury

$372

$31

Mercury

$424

$35

American Family

$474

$40

American Family

$480

$40

Mercury

$490

$41

American Family

$515

$43

State Farm

$541

$45

Country Financial

$571

$48

State Farm

$572

$48

Country Financial

$575

$48

State Farm

$685

$57

Auto-Owners Insurance Co

$712

$59

Travelers

$719

$60

Auto-Owners Insurance Co

$731

$61

Erie

$744

$62

Travelers

$750

$62

Erie

$756

$63

Country Financial

$787

$66

American Family

$816

$68

Travelers

$831

$69

American Family

$835

$70

GEICO

$840

$70

Grange Insurance

$866

$72

Hanover

$889

$74

Hanover

$891

$74

American Family

$894

$75

GEICO

$908

$76

Auto-Owners Insurance Co

$923

$77

Grange Insurance

$933

$78

Allstate

$938

$78

Allstate

$958

$80

Erie

$964

$80

AAA

$1,047

$87

Westfield

$1,054

$88

Grange Insurance

$1,087

$91

Westfield

$1,089

$91

Hanover

$1,098

$91

AAA

$1,108

$92

Progressive

$1,111

$93

Westfield

$1,114

$93

GEICO

$1,114

$93

Allstate

$1,198

$100

Progressive

$1,224

$102

Progressive

$1,224

$102

Country Financial

$1,264

$105

State Farm

$1,341

$112

Country Financial

$1,356

$113

AAA

$1,398

$116

Travelers

$1,427

$119

Auto-Owners Insurance Co

$1,456

$121

Mercury

$1,462

$122

Mercury

$1,465

$122

State Farm

$1,475

$123

Auto-Owners Insurance Co

$1,497

$125

Travelers

$1,533

$128

Travelers

$1,546

$129

AAA

$1,706

$142

Erie

$1,718

$143

Erie

$1,742

$145

Country Financial

$1,782

$149

Allstate

$1,812

$151

AAA

$1,831

$153

State Farm

$1,845

$154

Allstate

$1,878

$157

Mercury

$1,885

$157

Grange Insurance

$1,961

$163

GEICO

$1,987

$166

Grange Insurance

$1,991

$166

Auto-Owners Insurance Co

$2,032

$169

Progressive

$2,195

$183

Erie

$2,226

$186

GEICO

$2,250

$187

Allstate

$2,292

$191

Progressive

$2,294

$191

AAA

$2,318

$193

Westfield

$2,378

$198

Westfield

$2,413

$201

Grange Insurance

$2,431

$203

GEICO

$2,470

$206

Progressive

$2,576

$215

Westfield

$2,695

$225

Hanover

$2,865

$239

Hanover

$2,996

$250

Hanover

$3,813

$318

Cheapest Car Insurance in Illinois for Drivers With Poor Credit (October 2023)

In Illinois, the most affordable car insurance providers for drivers with poor credit are:

  • American Family: $1,267 per year
  • Country Financial: $1,312 per year

At $3,139 per year, Progressive is the most expensive insurer for drivers with poor credit. Insurance companies in Illinois consider credit history when calculating rates. Drivers with credit scores below 580 often pay about $818 more for coverage than those with credit scores above 750.

Company
Annual Premium
Monthly Premium

American Family

$1,361

$113

Travelers

$1,542

$128

Country Financial

$1,723

$144

Grange Insurance

$1,805

$150

AAA

$2,042

$170

Allstate

$2,172

$181

Mercury

$2,177

$181

GEICO

$2,314

$193

Westfield

$2,339

$195

Hanover

$2,918

$243

Erie

$3,095

$258

Auto-Owners Insurance Co

$3,111

$259

State Farm

$3,675

$306

Progressive

$3,751

$313

Mercury

$511

$43

Country Financial

$750

$63

Travelers

$776

$65

Westfield

$790

$66

American Family

$812

$68

Grange Insurance

$817

$68

GEICO

$859

$72

Hanover

$943

$79

Allstate

$1,038

$86

AAA

$1,090

$91

Erie

$1,177

$98

Auto-Owners Insurance Co

$1,213

$101

State Farm

$1,339

$112

Progressive

$1,610

$134

American Family

$1,267

$106

Country Financial

$1,312

$109

Travelers

$1,357

$113

Grange Insurance

$1,482

$124

Mercury

$1,598

$133

AAA

$1,634

$136

Allstate

$1,815

$151

Westfield

$1,842

$154

GEICO

$1,915

$160

Hanover

$2,254

$188

Auto-Owners Insurance Co

$2,356

$196

Erie

$2,421

$202

State Farm

$2,948

$246

Progressive

$3,139

$262

Mercury

$362

$30

Country Financial

$547

$46

Grange Insurance

$665

$55

Westfield

$677

$56

Travelers

$713

$59

GEICO

$722

$60

Hanover

$744

$62

American Family

$745

$62

Allstate

$845

$70

AAA

$882

$74

Erie

$923

$77

Auto-Owners Insurance Co

$954

$80

State Farm

$1,120

$93

Progressive

$1,456

$121

Country Financial

$1,220

$102

American Family

$1,233

$103

Travelers

$1,349

$112

Mercury

$1,452

$121

Grange Insurance

$1,466

$122

AAA

$1,525

$127

GEICO

$1,711

$143

Allstate

$1,747

$146

Westfield

$1,781

$148

Hanover

$2,093

$174

Auto-Owners Insurance Co

$2,248

$187

Erie

$2,446

$204

State Farm

$2,675

$223

Progressive

$3,063

$255

Mercury

$367

$31

Country Financial

$543

$45

GEICO

$716

$60

Grange Insurance

$728

$61

Hanover

$731

$61

Travelers

$740

$62

Westfield

$743

$62

American Family

$744

$62

Allstate

$826

$69

AAA

$840

$70

Erie

$933

$78

Auto-Owners Insurance Co

$996

$83

State Farm

$1,060

$88

Progressive

$1,500

$125

Auto insurance companies found that those with poor credit are more likely to file claims, so they charge higher premiums to offset the costs of covering these drivers. Like many other states, Illinois allows insurers to consider credit-based insurance scores when calculating rates.

While improving your credit score gradually, you may seek companies that offer safe-driver or other discounts to help lower your insurance rate.

Cheapest Car Insurance in Illinois for Sports Cars (October 2023)

The following companies provide the least expensive car insurance for drivers in Illinois with a sports car:

  • American Family: $655 per year
  • Auto-Owners: $791 per year

The most expensive provider is Progressive, with an average annual premium of $3,285. Since sports cars have higher repair and replacement costs, Illinois drivers with a sports car tend to pay $261 more for car insurance than those with a standard Toyota Camry.

Company
Annual Premium
Monthly Premium

Mercury

$248

$21

Mercury

$259

$22

Auto-Owners Insurance Co

$337

$28

Country Financial

$343

$29

Country Financial

$345

$29

Auto-Owners Insurance Co

$352

$29

Mercury

$362

$30

GEICO

$363

$30

Westfield

$368

$31

GEICO

$386

$32

Westfield

$403

$34

American Family

$405

$34

American Family

$407

$34

Westfield

$428

$36

Auto-Owners Insurance Co

$428

$36

Erie

$431

$36

Erie

$432

$36

American Family

$441

$37

Travelers

$451

$38

GEICO

$451

$38

Country Financial

$468

$39

Travelers

$482

$40

State Farm

$489

$41

Grange Insurance

$502

$42

Travelers

$509

$42

AAA

$511

$43

State Farm

$520

$43

Hanover

$522

$43

Hanover

$531

$44

Erie

$548

$46

Allstate

$550

$46

Grange Insurance

$560

$47

Allstate

$568

$47

AAA

$605

$50

State Farm

$616

$51

American Family

$638

$53

Grange Insurance

$643

$54

American Family

$655

$55

AAA

$669

$56

Hanover

$672

$56

Allstate

$693

$58

American Family

$703

$59

Auto-Owners Insurance Co

$765

$64

Auto-Owners Insurance Co

$791

$66

Travelers

$822

$68

Travelers

$848

$71

GEICO

$968

$81

Travelers

$988

$82

Auto-Owners Insurance Co

$1,052

$88

Progressive

$1,080

$90

Progressive

$1,113

$93

GEICO

$1,135

$95

Progressive

$1,160

$97

GEICO

$1,370

$114

Allstate

$1,376

$115

Allstate

$1,443

$120

State Farm

$1,465

$122

State Farm

$1,616

$135

Allstate

$1,731

$144

State Farm

$2,054

$171

Progressive

$2,894

$241

Progressive

$3,285

$274

Progressive

$4,036

$336

We used a Ford Mustang for the quotes above, but car insurance costs can still vary greatly based on the car model. Luxury, electric and sports cars often require more expensive insurance coverage than standard vehicles.

Cheapest Car Insurance in Illinois for Military Drivers (October 2023)

At an average of $696 per year, American Family is the cheapest car insurance provider for active military members and veterans in Illinois.

USAA also offers policies for military families, at roughly $1,091 per year. This insurer is available in all states and tailors its service to those with a military background. However, there are many cheaper options for military personnel in Illinois.

You may also consider GEICO. It has multiple discounts available to military-affiliated drivers that can lower the cost of auto insurance.

mglogo
MoneyGeek Top Pick
American Family Insurance
  • $696 per year
  • Ranks first out of 15 auto insurers for affordability

Although American Family doesn’t offer military-specific discounts, it allows policyholders to lower their premiums in other ways. These include discounts for bundling, multiple cars, good students and safe driving. You may also get a discount for completing a state-approved defensive driving course.

Cheapest Car Insurance in Illinois by City

Various factors significantly affect the cost of car insurance in Illinois, including the city where you live. Living in a neighborhood with higher rates of accidents, thefts or vandalism may make you more likely to file claims, so your premiums may be more expensive.

According to our study, the cheapest city in Illinois for car insurance is Peoria, where a full coverage policy from GEICO has an average annual rate of $704. GEICO is also the most affordable option in Rockford, at approximately $762 per year.

Auto insurance is most expensive in Chicago, where a full coverage policy costs roughly $1,018 per year with American Family.

Check our table of Illinois cities to see how the average cost of car insurance changes depending on the location.

City
Cheapest Company
Annual Premium

Aurora

Auto-Owners Insurance Co

$742

Chicago

American Family

$1,018

Elgin

Auto-Owners Insurance Co

$758

Joliet

Auto-Owners Insurance Co

$797

Naperville

Auto-Owners Insurance Co

$709

Peoria

GEICO

$704

Rockford

GEICO

$762

Springfield

Auto-Owners Insurance Co

$733

Car Insurance in Illinois: What You Need to Know

In Illinois, drivers are required to carry a policy that includes uninsured/underinsured motorist coverage along with bodily injury liability (BIL) and property damage liability (PDL). They also have the option to self-insure if they own at least 25 cars.

Illinois Car Insurance Requirements

Illinois drivers are required to carry insurance that meets the minimum requirements for bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. A minimum coverage policy is the cheapest insurance you can purchase, but it may not offer adequate coverage in case of an accident.

Additionally, SR-22 insurance is needed for drivers with serious traffic violations like reckless driving, driving without insurance, driving under the influence or driving with a suspended license, which will typically lead to much higher rates than average drivers. SR-22 is a certificate filed by the insurer to prove the driver has the required insurance coverage in Illinois.

  • male icon

    Bodily Injury Liability

    In Illinois, you must have $25,000 in bodily injury liability for each person and $50,000 for each accident. If you get into an accident and cause injuries to someone else, you will be responsible for the other party’s medical costs that exceed these limits.

  • accident2 icon

    Property Damage Liability

    Illinois drivers are required to have at least $20,000 in property damage liability. This will cover repairs up to $20,000 if you damage someone else’s property in an accident. If the cost of repairs is above this limit, you will have to pay out of pocket for the rest.

  • carInsurance icon

    Uninsured/Underinsured Motorist Coverage

    Illinois requires drivers to carry $25,000 in uninsured/underinsured motorist bodily injury liability for each person and $50,000 for each accident. If you get into an accident with an uninsured or underinsured driver, you will have to shoulder any costs that exceed these limits.

To ensure adequate financial protection in case of an at-fault accident, consider raising your liability limits to $100,000 in bodily injury for each person, $300,000 in bodily injury for each accident and $100,000 in property damage. You will likely be required to add comprehensive and collision insurance to your policy if you finance or lease your car.

Comprehensive insurance covers the damage to your vehicle caused by vandalism, fires, natural disasters and weather-related incidents. Collision insurance pays for the damages to your car after hitting another car or a stationary object.

Comprehensive and collision coverage is also recommended for drivers who are not financing or leasing a vehicle to have a greater level of financial protection.

Car Insurance Alternatives in Illinois

Unless you have more than 25 vehicles registered under your name, there’s no alternative to car insurance in Illinois. If you own more than 25 cars, you may qualify for self-insurance. This means you will assume all financial responsibilities in case of a vehicular accident, including the cost of repairs and medical treatments.

To obtain a certificate of self-insurance from the Director of the Department of Insurance, you must be financially capable of paying for claims as a minimum coverage policy would.

However, the Director may cancel your certificate of self-insurance if you fail to cover damaged vehicles in the event of an accident.

FAQs About Car Insurance in Illinois

It’s common to have questions about cost and quality when looking for car insurance. Our answers to some commonly asked questions can help you better understand car insurance in Illinois.

Expert Advice on Finding Cheap Car Insurance in Illinois

To help you find credible and accurate insight on car insurance in Illinois, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Illinois should look for when searching for the best auto insurance coverage?
  2. How do regulations and rules in Illinois impact insurance pricing and how consumers might shop for coverage?
  3. What natural or environmental factors should drivers in Illinois consider when shopping for the best car insurance coverage?
  4. What steps can drivers in Illinois take to find affordable car insurance?
Mark Holden
Mark Holden

CERTIFIED FINANCIAL PLANNER™(CFP®), Certified Wealth Strategist® (CWS®)

Chigozie Andy Ngwaba
Chigozie Andy Ngwaba

Assistant Professor of Economics and Director of the Actuarial Science Business Program at Bradley University

Scott W. Hegerty
Scott W. Hegerty

Associate Professor of Economics at Northeastern Illinois University

Amit Sinha
Amit Sinha

Professor of Finance and Quantitative Methods at Bradley University

Jim Snooks
Jim Snooks

Associate Professor of Business at Moraine Valley Community College

Jie Ying
Jie Ying

Assistant Professor of Finance at Southern Illinois University Edwardsville

Christopher J. Marquette
Christopher J. Marquette

Assistant Professor of Finance at Millikin University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources
  • Illinois General Assembly. "Vehicles." Accessed December 15, 2022.